Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.
Open a Checking Account Online
Find the right account to fit your banking needs.
Earn up to $400
as a new customer when you set up a qualifying direct deposit(s) to a PNC Virtual Wallet® Spend account.†
Open a Checking Account Online
Find the right account to fit your banking needs.
Earn up to $400
as a new customer when you set up a qualifying direct deposit(s) to a PNC Virtual Wallet® Spend account.†
Benefits of Boring Banking
Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC.
It Pays To Open a Checking Account With PNC Bank
Virtual Wallet® includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money. Apply online today:
Virtual Wallet
Earn $100 when you establish total qualifying direct deposits of $500 to the Spend account.†
Virtual Wallet with Performance Spend
Earn $200 when you establish total qualifying direct deposits of $2,000 to the Spend account.†
For those that are ready to take control of their finances
- Digital tools with savings goals
- Higher interest earning potential on your Growth account
- Some fee reimbursements for non-PNC ATMs[1]
Virtual Wallet with Performance Select
Earn $400 when you establish total qualifying direct deposits of $5,000 to the Spend account.†
The most benefits to help your money work for you
- Digital tools with savings goals
- Highest interest earning potential on your Growth account
- The most fee reimbursements for non-PNC ATMs[1]
- No charge for domestic wires
If you prefer to open this account in a branch, bring this coupon with you to redeem your promotion.
It Pays To Open a Checking Account With PNC Bank
Virtual Wallet® includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money. Apply online today:
The most benefits to help your money work for you
- Digital tools with savings goals
- Highest interest earning potential on your Growth account
- The most fee reimbursements for non-PNC ATMs[1]
- No charge for domestic wires
If you prefer to open this account in a branch, bring this coupon with you to redeem your promotion.
Other Options That May Fit Your Needs
Designed uniquely for students from high school to college. $0 Monthly Service Charge for up to 6 years.
Checking with savings for students starting out
- Digital tools with savings goals
- Low Cash Mode® helps you avoid overdraft fees and alerts you when your balance is low[5]
- Linked checking and savings with overdraft protection and alerts
Monthly service charge: $0 for up to 6 years[6]
Designed uniquely for students from high school to college. $0 Monthly Service Charge for up to 6 years.
For those that need a basic checking account with no overdraft fees
- Digital payment options like Online Bill Pay, Zelle® and a debit card
- Monthly Service Charge waived for 12 months on Standard Savings account
- Certified as a low-cost, low-fee account by Bank On
Monthly service charge: $5 or $0 for account holders age 62+
For those that need a basic checking account with no overdraft fees
- Digital payment options like Online Bill Pay, Zelle® and a debit card
- Monthly Service Charge waived for 12 months on Standard Savings account
- Certified as a low-cost, low-fee account by Bank On
Monthly service charge: $5 or $0 for account holders age 62+
Open a Checking Account Online
Find the right account to fit your banking needs.
Frequently Asked Questions
Review Features & Fees associated with your checking product
To confirm which Virtual Wallet or other checking product type you have, sign on to PNC Online Banking and view the My Accounts Summary screen.
Direct Deposit allows you to electronically deposit your paycheck, dividend payment, pension or Social Security automatically into your checking account.
In Online Banking, you can order checks and enroll in automatic check reorder.
A checking account is a bank account designed for you to deposit, withdraw or transfer funds day-to-day. You can use it to pay for goods and services in-person and online – you’ll usually have a debit card and the option to order checks.
You’ll have easy access to your funds, be able to receive direct deposits and use digital tools for money management.
Your deposited money is also covered by the Federal Deposit Insurance Corporation (FDIC), up to the maximum amount allowed, to give you security and peace of mind.
Yes, in many cases!
We do require customers under the age of 16 to visit a branch with a parent or legal guardian to apply for a new account.
You may also need to visit a branch to apply for an account if you do not have a social security number.
Typically, you must be at least 18 years old to open a checking account. However, we allow younger people to open an account with the help of a parent or legal guardian.
Learn more about the minimum age to open an account and options for young customers
The minimum balance on a checking account is the smallest dollar amount the owner must keep in the account to receive certain benefits. These benefits may include the waiver of monthly maintenance fees or even the ability to earn some interest on deposited funds.
You can open a PNC checking account online or in person. You’ll need:
- A U.S. government-issued photo ID such as a driver’s license, a non-driving state identification card, a military ID, or a passport.
- Personal information, including Social Security number or Individual Taxpayer Identification Number (ITIN), date of birth, and current residential address.
You may need more information or additional documentation depending on the account type.
Learn more about the general requirements for opening a new checking account
If you’d like to open an account for more than one person to use, make sure that all applicants are present.
You’ll need information for every owner including names, Social Security numbers or Individual Taxpayer Identification Numbers (ITINs), birth dates, phone numbers and mailing addresses – you may also need each applicant’s photo ID.
Insights
Spend
What Do You Need to Open a Bank Account?
Ready to open a bank account? Learn about the necessary documents, eligibility rules, and helpful tips for a quick, hassle-free application process.
7 min read
Spend
Should Kids Get an Allowance?
Should kids get an allowance? In this article from PNC, find out how an allowance can foster independence and financial savvy in your children.
6 min read
Spend
What Is Direct Deposit?
Direct deposit is the electronic transfer of funds directly to a bank account. Learn more about how direct deposit works and the benefits it offers.
5 min read
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